Now we have a reversal. Whitney is especially bullish on
Discover, Citi, and
Bank
of America. She's taking that positive stance because in
March, the Federal Reserve will release the results of its CCAR
stress tests. The tests, Whitney believes, will show that the
banks are adequately capitalized.

That means that investors can expect higher dividends, especially
in the case of Bank of America, which, she estimates, could up to
quadruple its dividend.